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Senior Commercial Underwriter Jobs (NOW HIRING)

Wilsonbank

Senior Commercial Underwriter

Lebanon, TN

$95K - $112K/yr

Senior Commercial Underwriter Location: Lebanon, TN If you're looking for a career where purpose meets opportunity, and where your contributions truly make a difference, Wilson Bank & Trust is the ...

Wilson Bank & Trust

Senior Commercial Underwriter

Lebanon, TN · On-site

$95K - $112K/yr

Senior Commercial Underwriter Location: Lebanon, TN If you're looking for a career where purpose meets opportunity, and where your contributions truly make a difference, Wilson Bank & Trust is the ...

Allianz

Senior Commercial Underwriter

Baltimore, MD · On-site

$85K - $105K/yr

The Senior Commercial Underwriter within the CUW Center of Excellence operates in a regional, transversal capacity, enabling and elevating the underwriting capabilities of distribution teams across ...

One80 Intermediaries

Senior Commercial Underwriter

$70K - $120K/yr

We are looking for a Senior Commercial Underwriter to join our team. This role reports to the VP of Transportation and involves performing risk selection and pricing on endorsements, renewals, and ...

Salal Credit Union

Senior Commercial Underwriter

Seattle, WA · On-site +1

$114K - $159K/yr

Salal Credit Union is looking to add a new Senior Commercial Loan Underwriter (Portfolio Manager). This is a great opportunity to join our Credit Administration team in a highimpact role where your ...

Salal Credit Union

Senior Commercial Underwriter

Seattle, WA · Remote

$120K - $140K/yr

Salal Credit Union is looking to add a new Senior Commercial Loan Underwriter (Portfolio Manager). This is a great opportunity to join our Credit Administration team in a high‑impact role where ...

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Senior Commercial Underwriter information

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$37K

$106.6K

$133.5K

How much do senior commercial underwriter jobs pay per year?

As of Aug 22, 2026, the average yearly pay for senior commercial underwriter in the United States is $106,601.00, according to ZipRecruiter salary data. Most workers in this role earn between $98,500.00 and $116,500.00 per year, depending on experience, location, and employer.

What are some common challenges faced by a senior commercial underwriter in balancing risk and client relationships?

Senior Commercial Underwriters often encounter the challenge of assessing complex risks while maintaining strong client relationships. They must carefully analyze large and sometimes unconventional commercial risks, ensuring that underwriting decisions align with company policies without jeopardizing valuable client accounts. Balancing these demands requires strong negotiation skills, sound judgment, and close collaboration with brokers and account managers to structure deals that meet both client needs and the company's risk appetite. Additionally, staying updated on market trends and regulatory changes is essential to making informed decisions.

What are the key skills and qualifications needed to thrive as a senior commercial underwriter, and why are they important?

To thrive as a Senior Commercial Underwriter, you need strong analytical skills, deep knowledge of risk assessment, and several years of experience in commercial underwriting, often supported by a bachelor's degree in finance, business, or a related field. Familiarity with underwriting software, risk modeling tools, and industry certifications such as CPCU or ARM is highly valuable. Excellent negotiation, decision-making, and communication skills help build client relationships and collaborate with brokers and internal teams. These abilities ensure accurate risk evaluation, profitable portfolio management, and strong stakeholder trust in a highly competitive insurance market.

What is the difference between Senior Commercial Underwriter vs Commercial Underwriter?

AspectSenior Commercial UnderwriterCommercial Underwriter
CredentialsTypically requires 5+ years of experience, industry certifications (e.g., CPCU, ARM)Entry to mid-level experience, may require similar certifications
Work EnvironmentWorks independently on complex cases, often in larger insurance firmsHandles standard policies, collaborates with teams in insurance companies
Employer & Industry UsageUsed in commercial insurance sectors, especially in underwriting departmentsCommon in insurance companies, brokerage firms, and agencies

The main difference between a Senior Commercial Underwriter and a Commercial Underwriter lies in experience level and complexity of cases handled. Senior Underwriters manage more complex, high-value policies and often have leadership responsibilities, while Commercial Underwriters focus on standard policies and support the underwriting process. Both roles require relevant industry certifications and are integral to commercial insurance operations.

Is senior commercial underwriter a good career?

A senior commercial underwriter is a well-regarded role in the insurance industry, involving evaluating and approving complex business insurance policies. It offers opportunities for advancement, specialized knowledge, and typically requires strong analytical skills and industry certifications. The career can be stable and rewarding for those interested in risk assessment and financial analysis.

What does a senior commercial underwriter do?

A senior commercial underwriter evaluates and assesses insurance applications for large or complex business clients, determining coverage terms, pricing, and risk levels. They analyze financial documents, industry data, and policy details to make informed decisions and often use specialized underwriting software. Strong analytical skills and industry knowledge are essential for this role.
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Cities with the most Senior Commercial Underwriter job openings:

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Senior Commercial Underwriter jobs near you
Infographic showing various Senior Commercial Underwriter job openings in the United States as of August 2026, with employment types broken down into 93% Full Time, 5% Part Time, and 2% Contract. Highlights an 90% Physical, 3% Hybrid, and 7% Remote job distribution, with an average salary of $106,601 per year, or $51.3 per hour.

Senior Commercial Underwriter

Wilsonbank

Lebanon, TN

$95K - $112K/yr

Full-time

Re-posted 1 hour ago

Job description

It's fun to work in a company where people truly BELIEVE in what they're doing!
We're committed to bringing passion and customer focus to the business.

Senior Commercial Underwriter
Location: Lebanon, TN
If you're looking for a career where purpose meets opportunity, and where your contributions truly make a difference, Wilson Bank & Trust is the place for you.
ABOUT US
Working at Wilson Bank & Trust means joining a purpose-driven organization where community impact and professional growth go hand in hand. The commitment to serving communities is matched by dedication to supporting employees-through recognition, rewards, and opportunities to grow. Inside our walls, you'll find a workplace that reflects the same trusted reputation we've built since the beginning. Collaboration and servant leadership are at the heart of everything we do, creating an environment where talent is valued and service is elevated. Your voice matters here-feedback drives decisions on workplace flexibility, transparency, and strategic priorities.
POSITION SUMMARY
The Senior Commercial Underwriter prepares loan requests for intake to include reviewing for completeness, concentration risk, and adherence to Bank credit policy. This position also reviews underwriting analyses to verify accuracy, consistency, and adherence to Bank credit policy. The Senior Commercial Underwriter serves as a resource for complex commercial requests and loan structures, and coordinates with credit analysts and senior leadership to support timely and well-supported credit decisions. This position reports to the Commercial Underwriting Manager and provides excellent service and support to team members and customers while demonstrating the Company's values and supporting the mission.
Position Duties & Responsibilities
  • Prepare loan requests for intake to include reviewing for completeness, concentration risk, and adherence to Bank credit policy
  • Communicate with lenders and loan assistants regarding incomplete loan requests, assisting with resolution as needed
  • Assign loan requests to credit analysts for financial spreading, cash flow modeling, and comprehensive analysis
  • Mentor credit analysts regarding loan structure and methodology
  • Review underwriting analyses prepared by analysts and underwriters to verify accuracy, consistency, and adherence to Bank credit policy
  • Communicate with lenders and credit analysts regarding incomplete underwriting analyses, assisting with resolution as needed
  • Serve as a senior technical resource for complex commercial credit requests and loan structures
  • Partner with Relationship Managers, Credit Administration team, and senior leadership to support timely and well-supported credit decisions
  • Identify opportunities for process improvement to enhance efficiency, documentation quality, and exam readiness
  • Maintain strong internal controls and examination preparedness within the underwriting function
  • Consult with lending team members and provide guidance regarding the commercial underwriting process and loan policy interpretation
  • Verify departmental documents and activities are compliant with applicable laws, regulations, policies and procedures
  • Maintain professional and technical knowledge by attending educational workshops, reviewing professional publications, and establishing personal networks
  • Attend training as requested
  • Adhere to compliance with all federal bank regulations and laws, including those for consumer protection and the Bank Secrecy Act/Anti-Money Laundering Program
  • Participate in outside community activities as required
  • Perform other duties as assigned
Required Qualifications
  • Bachelor's degree in business, accounting, finance or related field
  • 7 years of experience in a related role
  • 5 years of banking experience preferred
  • Advanced skills with Microsoft Office to include Excel
  • Solid ability to read, analyze, and interpret personal and business financial statements and related tax returns
  • Ability to apply technical knowledge and expertise to department policies and procedures
  • Ability to work on multiple projects simultaneously while accomplishing daily tasks
  • Effective verbal and written communication skills with strong presentation skills
  • Excellent interpersonal skills
  • Critical thinking, problem solving and analytical skills
  • High standards for integrity, honesty, professionalism, and work ethic
  • Commitment to service excellence
  • Ability to work independently while demonstrating excellent organization and follow through
  • Demonstrate flexible and efficient time management and ability to prioritize workload
  • Ability and willingness to work with purpose and a strong sense of urgency
  • Self-motivated, positive, and enthusiastic
  • Self-starter with a strong desire to exceed expectations
  • Maintain confidentiality discretion
  • Ability to effectively work in collaboration with others to achieve business objectives
  • Willing to grow and be challenged

COMPREHENSIVE BENEFITS & RECOGNITION
We believe success should be acknowledged and celebrated. That's why we offer an all-inclusive total compensation package, including generous ATO, personal days, sick time, along with unique offerings such as the ability to combine accrued time with short-term disability for 100% pay, and more. Our Employee Assistance Program and Employee Care Fund provide additional support when you need it most. We celebrate achievements through peer-nominated award ceremonies and an interactive digital rewards platform, ensuring employees' contributions are recognized companywide.
GROW WITH US
"Grow With Us" is more than a slogan-it's an invitation. Whether partnering with local schools to teach the next generation hands-on financial life lessons through School Bank, exploring diverse career paths through our Banker Academy Program, or investing in yourself through our Employee Stock Purchase program, you'll find opportunities tailored to your interests and ambitions while working for WBT. We invest heavily in development through mentorships, workshops, banking schools, and certifications because when our people grow, our customers thrive.

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